The POS Terminal uses a Cardholder Verification Method list read from the card to determine the type of verification to be performed. The Cardholder Verification Method list establishes a priority of Cardholder Verification Methods to be used relative to the capabilities of the POS Terminal. Different POS Terminal support different Cardholder Verification Methods. ATMs generally support online PIN. POS Terminals vary in their support of Cardholder Verification Method depending on their type and in which country they are located.

All Cardholder Verification Methods can be available on all payment types (credit, debit and prepaid) as defined by the Card Issuer. The Merchant or POS Terminal chooses which Cardholder Verification Methods they will support. The Card Issuer sets a prioritized list of methods on the chip for Cardholder Verification Method.